About Navi
Navi is one of the fastest-growing financial services companies in India providing Personal & Home Loans, UPI, Insurance, Mutual Funds, and Gold. Navi's mission is to deliver digital-first financial products that are simple, accessible, and affordable. Drawing on our in-house AI/ML capabilities, technology, and product expertise, Navi is dedicated to building delightful customer experiences.
Founders: Sachin Bansal & Ankit Agarwal
Know what makes you a “Navi_ite” :
1.Perseverance, Passion and Commitment
• Passionate about Navi’s mission and vision
• Demonstrates dedication, perseverance and high ownership
• Goes above and beyond by taking on additional responsibilities
2.Obsession with high quality results
• Consistently creates value for the customers and stakeholders through high quality outcomes
• Ensuring excellence in all aspects of work
• Efficiently manages time, prioritizes tasks, and achieves higher standards
3.Resilience and Adaptability
• Adapts quickly to new roles, responsibilities, and changing circumstances, showing resilience and agility
About the role:
Hind-sighting involves:
1.Review UW & transactional data at LAN level, to check if specific case should have been approved or
rejected.
2.Objective assessment to verify outcomes driven by UW strategies & DS models
Output of hind-sighting will:
1.Be limited to highlighting if Customer should have been rejected / approved (with underlying analysis)
2.Not include any recommendations / proposals for revisions in models or strategies
3.Be shared with relevant function for review & appropriate action; relevant function to take ownership of AI
closure (if applicable)
Approach:
For sample LANs, evaluate credit worthiness / underlying credit risk end-to-end in terms of:
Credit policy implementation (checking for any deviations from stated policy rules
UW indicators from SMS data (like income, obligation, off-us tradelines and performance, trends of financial
stress etc).
Key responsibilities:
1.Interact with the customer to assess the creditworthiness
2.Responsible for Hind sighting of Loan proposals (Home Loan, personal loan )
3.Develop 360 degree of the loan application for management discussion and finalization.
4.Creating and refining the credit scoring models for risk assessments
5.Continuously improving the efficiency of the automated credit processes.
Required Skills:
1.Understanding of how financial valuation of Customers are done
2.Collaborative as well as assertive in interactions with stakeholders
3.Good communication skills to hold a clean and clear interaction with customers
4.Understanding of Risks and trends based on existing customer data base or market data
5.Analytical and able to take data driven decisions